Abacus Life vs. Trust Life Settlements
Publicly traded life settlements company and direct buyer. See how they compare to our flat-fee, transparent approach.
About Abacus Life
Abacus Life (NASDAQ: ABL) is one of the few publicly traded companies in the life settlement space. They operate primarily as a direct buyer and asset manager, purchasing policies for their own portfolio and for institutional investors. As a direct buyer, they do not shop policies competitively.
Founded
2004
Headquarters
Orlando, FL
Fee Structure
No broker fee (direct buyer — margin built into offer)
Minimum Policy
$100,000 face value
How Abacus Life Works
Contact Abacus with your policy details — they provide a quick initial assessment.
If interested, they gather medical records and underwrite the policy.
They present a single offer based on their internal valuation models.
If you accept, they fund the transaction and take ownership of the policy.
Typical timeline: 30–90 days typical
Abacus Life: Pros & Cons
Pros
- Publicly traded company — financial transparency
- Faster timeline than many brokers (30–90 days)
- No separate broker commission charged
- Well-capitalized with institutional backing
Cons
- Single buyer — no competitive bidding for your policy
- Their investment return is built into a lower offer to you
- No independent advocate representing seller interests
- Public company focus on investor returns may conflict with seller value
Abacus Life vs. Trust Life Settlements
See exactly how our approach differs — and why policyholders keep more with Trust.
Single buyer — one take-it-or-leave-it offer
20+ buyers compete — driving up the price for you
Their profit margin reduces what they offer you
Flat fee is separate from buyer offers — maximum transparency
No advocacy — they represent their own interests
Licensed broker with fiduciary-like obligation to you
Faster, but at potentially a lower price
We balance speed with getting the best possible offer
Estimate Your Policy Value
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Who Qualifies with Abacus Life?
Policyholders age 65+ (or younger with significant health changes)
Policies with at least $100,000 face value
Universal life, whole life, and convertible term policies
Policies past the contestability period
Think you qualify? Compare offers.
Even if you qualify with Abacus Life, it pays to compare. Trust Life Settlements markets your policy to 20+ institutional buyers with a flat fee — so you know exactly what you'll pay and keep more of your settlement.
Check Your EligibilityAbacus Life FAQ
Is Abacus Life a legitimate company?
Yes, Abacus Life is a publicly traded company on NASDAQ (ticker: ABL). They are regulated and report financial results publicly. However, being legitimate doesn't mean their offer is the highest you can get.
Why might Abacus offer less than a broker could get me?
As a direct buyer, Abacus needs to purchase policies at a price that allows them to earn a return for their investors. A broker who creates competition among 20+ buyers may produce a higher net payout even after fees.
How fast is Abacus Life's process?
Abacus advertises 30–90 days, which is faster than many brokers. However, speed should be weighed against the potential for a significantly higher payout through competitive bidding.
Get a Better Deal Than Abacus Life
Our flat-fee model and competitive bidding process means you keep more of your settlement. Get a free, no-obligation policy review today.